2024 Overview
General Credit Union Information
Granite State is an NCUA insured institution located in Manchester, NH. It was founded in 1945 and has approximately $708.32 millions in assets.
Who can join?
Membership is open to anyone who lives or works in New Hampshire and family members of existing Granite State Credit Union members. Granite State Credit Union offers business services to local companies and organizations throughout New Hampshire. Employees and families of our Partners at Work Program are also eligible for membership.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 63272 |
| Date Established | 1945 |
| Assets | $708.32 million |
| Loans | $481.33 million |
| Deposits | $642.05 million |
| Capital | $63.29 million |
Field of Membership Restrictions
Granite State Credit Union of New Hampshire is open to every resident or person that works throughout the entire state and the family members of current credit union members.
Deposit Rates - November 23, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.10% | $2,500 | $4,999 |
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|
|
Money Market
|
0.05% | $2,500 | $2,999 |
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|
|
Money Market
|
0.15% | $10,000 | $14,999 |
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|
|
Money Market
|
0.15% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.30% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.30% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.40% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.40% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.40% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.40% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 30 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 30 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.70% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.70% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.80% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.80% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
0.90% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
0.90% | $100,000 | $199,999 |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.05% | $2,500 | $3,499 | Learn More |
Loan Rates - November 23, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Granite State
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1835285 |
6.391% | 6.250% | 1.00 | $4,800 | $1,971 | Learn More |
NMLS ID: 1025894 |
6.956% | 6.875% | 0.63 | $2,642 | $2,103 | Learn More |
NMLS ID: 3030 |
7.225% | 7.125% | 1.00 | $3,200 | $2,156 | Learn More |
NMLS ID: 1907 |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.240 % After Intro: 7.240 % |
$0 |
Learn More
More Info |
Note to Granite State
To upload and update your bank's rates please register.
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Branches
Below are Granite State branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Granite State Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 637.03 | A | View Lobby Hours | |
| 641.07 | B | View Lobby Hours | |
| 643.25 | C | View Lobby Hours | |
| 646.39 | D | View Lobby Hours | |
| 646.39 | E | View Lobby Hours | |
| 650.92 | F | View Lobby Hours | |
| 651.12 | G | View Lobby Hours | |
| 651.12 | H | View Lobby Hours | |
| 652.27 | I | View Lobby Hours | |
| 657.07 | J | View Lobby Hours | |
| 673.62 | K | View Lobby Hours |
Climate Policy and Initiatives
GRANITE STATE is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Granite State Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Granite State. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Granite State | U.S. Average |
|---|---|
| 4.89% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, Granite State had $2,899,393 in non-current loans and $282,063 in owned assets. To cover these potential losses it had $63,291,964 in net worth and $1,732,215 in loans loss reserves. That gives it a Texas Ratio of 4.89%.
Net Worth
| Granite State | U.S. Average |
|---|---|
| 8.93% | 13.93% |
Granite State FCU has a net worth of 8.93% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Granite State
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